Rahul Kandu
Senior Manager - Retail Credit Underwriting & Risk Management @Mahindra Finance
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WORK HISTORY
Senior Manager - Retail Credit Underwriting & Risk Management @Mahindra Finance
IN
Analyzing the Vehicle ( Auto ) loan credit policy and schemes to propose modifications in the system. Tracking portfolio trend and risk appetite level. Highlighting areas of concern if any for better credit and portfolio control. Recommending system modification and technical initiatives to improve process efficiency Appraised and approval of proposals including supervision of credit underwriters. Analyzed the financial documents for calculating the customer eligibility basis of applicant profile, income, banking analysis reports and credit repayment history. Monitored portfolio quality for Auto loan while maintaining the TAT to the customers. Adherence to the policy/process/ Risk laid out by the Central team on all applications being processed. Monitor non-starters/Cheque bounce trends, maintain adequate knowledge of channels and their sourcing pattern. Handled Audit and ensured regulatory compliance. Co-ordinated closely with relevant stakeholders from Sales/Operations/Collections/Policy/Product/ Risk in ensuring a seamless daily operation of the underwriting department. Prepared daily and monthly MIS reports for management.
EDUCATION
University of Mumbai
Bachelor of Commerce - BCom, Business Administration and Management, General
Welingkar Institute of Management
Master of Business Administration - MBA, Accounting and Finance
ABOUT RAHUL KANDU
AREA CREDIT MANAGER - UNDERWRITING & RISK & POLICY. • Lead end-to-end…
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